Insurance adviser vs insurance representative

The differences between insurance advisers and insurance representatives can be seen in a few details. Each job has different responsibilities and duties. Additionally, an insurance adviser has an average salary of $66,816, which is higher than the $35,958 average annual salary of an insurance representative.

The top three skills for an insurance adviser include insurance sales, insurance options and annuities. The most important skills for an insurance representative are customer service, patients, and health insurance.

Insurance adviser vs insurance representative overview

	Insurance Adviser	Insurance Representative
Yearly salary	$66,816	$35,958
Hourly rate	$32.12	$17.29
Growth rate	6%	6%
Number of jobs	47,713	87,843
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 58%	Bachelor's Degree, 45%
Average age	46	46
Years of experience	-	-

What does an insurance adviser do?

Insurance advisers are professionals who represent an insurance company to sell insurance products to clients and earn commission on each policy that they sell. These advisers are required to align the company's insurance policies to the financial needs of each individual so that they can sell the maximum number of policies. They must oversee whether correct information is provided by their clients while explaining to them the relevance of the different parts of the proposal form. Insurance advisers must also help their clients get their claim settlements by showing them the correct process and completing the required documents.

What does an insurance representative do?

An insurance representative serves as a client's point of contact in insurance companies. Their responsibilities include researching client opportunities, reaching out to potential clients to offer products and services, discussing terms and policies, providing detailed advice, and assisting in every procedure, ensuring convenience and client satisfaction. Aside from securing sales, an insurance representative may also process applications and claims while adhering to the company's policies and regulations. Furthermore, they may also perform clerical tasks such as handling calls and correspondence, arranging appointments, and maintaining records of all transactions.

Insurance adviser vs insurance representative salary

Insurance advisers and insurance representatives have different pay scales, as shown below.

	Insurance Adviser	Insurance Representative
Average salary	$66,816	$35,958
Salary range	Between $43,000 And $103,000	Between $29,000 And $44,000
Highest paying City	Madison, WI	Lacey, WA
Highest paying state	Wisconsin	Washington
Best paying company	Salesforce	Santander Bank
Best paying industry	-	Finance

Differences between insurance adviser and insurance representative education

There are a few differences between an insurance adviser and an insurance representative in terms of educational background:

	Insurance Adviser	Insurance Representative
Most common degree	Bachelor's Degree, 58%	Bachelor's Degree, 45%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Insurance adviser vs insurance representative demographics

Here are the differences between insurance advisers' and insurance representatives' demographics:

	Insurance Adviser	Insurance Representative
Average age	46	46
Gender ratio	Male, 54.6% Female, 45.4%	Male, 29.8% Female, 70.2%
Race ratio	Black or African American, 9.4% Unknown, 3.6% Hispanic or Latino, 16.1% Asian, 4.9% White, 65.9% American Indian and Alaska Native, 0.1%	Black or African American, 9.4% Unknown, 3.6% Hispanic or Latino, 16.1% Asian, 4.9% White, 65.9% American Indian and Alaska Native, 0.1%
LGBT Percentage	7%	7%

Differences between insurance adviser and insurance representative duties and responsibilities

Insurance adviser example responsibilities.

Manage civil litigation matters such as general and complex litigation.
Present appropriate annuities for clients to purchase that meet their specific needs, time frame, and risk tolerance
Direct the sale of life insurance policies, medical disability programs and annuities to military personnel and civilian members.
General resource to partnership on property and casualty matters, insurance policy contract review allowing partners to successfully negotiate litigation matters.
Revive AFLAC accounts previously close due to non-pay or dissatisfy customers.
Generate new business for Aflac by contacting potential customers and marketing one or more types of insurance.

Insurance representative example responsibilities.

Cold-Cal to generate leads for individual life and disability insurance and annuities.
Confer with AAA members to discuss options and plans for the insurance needs of family and services provide.
Promote AAA insurance to current, former, and potentially new customers by providing quality and accurate product knowledge.
Assist field agents with Medicare applications, review Medicaid state system regarding eligibility.
Review medical web sites and Medicare inquiry system to determine eligibility for Medicaid and other insurance policies.
Facilitate communications between doctors, hospitals, third party insurance companies and patients to obtain and verify patient billing information.

Insurance adviser vs insurance representative skills

Common insurance adviser skills

Insurance Sales, 54%
Insurance Options, 6%
Annuities, 6%
Insurance Solutions, 6%
Insurance Coverage, 3%
Administrative Tasks, 3%

Common insurance representative skills

Customer Service, 18%
Patients, 16%
Health Insurance, 6%
Medicaid, 4%
Insurance Coverage, 4%
Data Entry, 4%

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Sales Industry
Insurance Adviser
Insurance Adviser vs Insurance Representative

Updated January 8, 2025

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